2530 E Roarks Cove Rd, Decherd, TN 37324 Property Records

Franklin County property record for 2530 E Roarks Cove Rd, Decherd, TN 37324

Property Summary

Property Type	Rural Home
Details	2 ba · 2,687 sqft · built 1951
Lot Size	76.7 acres (3,343,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,000 (Jan 1995)
Tax Bill	$1,904 (2025)
Deeds & Mortgages	May 2020 Loan Modification Jul 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026049 01200`

Property Details

APN / Parcel Number

Primary APN	`026049 01200`
Alternative APN	`049 01200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,687 sqft Living Area
1st Floor Area	2,687 sqft
Attic	Attic
Attic Area	1,937 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,343,230 sqft (76.7 acres)
Garage Type	Detached
Garage Area	112 sqft

Exterior Amenities

Porch	Porch
Porch Area	104 sqft
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2530 E ROARKS COVE RD
City	DECHERD
State	TN
Zip	37324-4812
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 09 COMBINED PARCEL 12.03, COUNTY AREA: R02
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1096
Census Tract	960100

Owner

Source: Franklin County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2530 E ROARKS COVE RD, DECHERD, TN 37324-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 18, 2020	Loan Modification, Mortgage · Conventional Mortgage FIRSTBANK
Jul 23, 2019	Loan Modification, Mortgage · Conventional Mortgage ASCEND FCU
May 2, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRSTBANK
Apr 6, 2018	Loan Modification, Mortgage · Line of Credit FIRSTBANK/W MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 1995 · Amount on Record
Deed Sale	Jan 3, 1995 · Amount on Record
Prior Sale	Jan 31, 1994 · Amount on Record
Deed Book / Page	263 / 83
Record Updated	Sep 20, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	2530 E ROARKS COVE RD, DECHERD, TN 37324-4812
Document Number	0000003230
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 1ST AVE SE WINCHESTER TN 373981542, WINCHESTER, TN 37398-1542

Mortgage

Document Number	0000003230
Date	May 28, 2020
Book Page	001329/000168
Instrument	3230

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 27, 2021

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	2530 E ROARKS COVE RD, DECHERD, TN 37324-4812
Document Number	0000005133
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2530 E ROARKS COVE RD DECHERD TN 373244812, DECHERD, TN 37324-4812

Mortgage

Document Number	0000005133
Date	Aug 28, 2019
Book Page	000129/000757
Instrument	5133

Lender

Name	ASCEND FCU
Type	Credit Union
Address	TULLAHOMA, TN 37388

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 27, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	2530 E ROARKS COVE RD, DECHERD, TN 37324-4812
Document Number	0000002600
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 1ST AVE SE WINCHESTER TN 373981542, WINCHESTER, TN 37398-1542

Mortgage

Document Number	0000002600
Date	May 8, 2019
Book Page	001286/000269
Instrument	2600

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 7, 2020

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	2530 E ROARKS COVE RD, DECHERD, TN 37324-4812
Document Number	0000002122
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 1ST AVE SE WINCHESTER TN 373981542, WINCHESTER, TN 37398-1542

Mortgage

Document Number	0000002122
Date	Apr 10, 2018
Book Page	001249/000233
Instrument	2122

Lender

Name	FIRSTBANK/W MI
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 9, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,904.00 (+6.37%) Additional exemption filed	$95,425 (-) Land $48,750 Building $46,675
2023		$95,425 Land $48,750 Building $46,675
2022	$1,790.00		$810,100 Land $623,400 Building $186,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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